that are willing to help you understand when you are trying to buy a house or reduce your debt.

6. Don’t become a victim. Identity theft has become huge in our society. You have to be extremely careful when you give out financial information or any personal information. Make sure you monitor your credit cards very carefully. If you notice anything funny make sure you report it immediately.

By taking all these points into consideration you stand a healthy chance at ma

You probably made your New Year’s resolution January 1 and by the 15th the resolution was broken. That doesn’t matter though because I have good news. You can still take care of your family’s finances and it doesn’t matter what month it is. I will try and help you with that in this article.

1. You have to make sure you have a budget made. It’s important to make sure your budget is kept realistic. About 85 percent of your income should be used for necessities like housing, food and health care. The other 15 percent has to be used for yourself which includes entertainment and something many people forget about and that is savings.

2. You have to decide what your wants and needs are. This is very important especially if money is tight. You need to pay your mortgage and you want the new cushions for your love seat and sofa. You need to buy medications for your illness but you don’t have to buy how to videos for building the bird house.

3. Keep track of your spending. For at least 30 days you should keep track of every penny you spend. Buy a scribbler and mark down every purchase even if it’s only 50 cents. A one dollar bottle of water can bring savings of almost 400 dollars in one year.

4. Make sure you have an emergency fund. You never know what might happen. You can get sick tomorrow or your position could be terminated without any warning. In either case you will need some time to get back on your feet. If you have some money in the bank to take care of the bills then you will not have to stress out and you can focus on the important things like getting better or finding a new job.

5. Understand what you need to do. You went to school to learn all the core subjects but for most of us I am willing to bet that money management wasn’t a course that you took. There are many good credit counselling services that will help you for free. There are also some great community services that are willing to help you understand when you are trying to buy a house or reduce your debt.

6. Don’t become a victim. Identity theft has become huge in our society. You have to be extremely careful when you give out financial information or any personal information. Make sure you monitor your credit cards very carefully. If you notice anything funny make sure you report it immediately.

By taking all these points into consideration you stand a healthy chance at mai

food and health care. The other 15 percent has to be used for yourself which includes entertainment and something many people forget about and that is savings.

2. You have to decide what your wants and needs are. This is very important especially if money is tight. You need to pay your mortgage and you want the new cushions for your love seat and sofa. You need to buy medications for your illness but you don’t have to buy how to videos for building the bird house.

3. Keep track of your spending. For at least 30 days you should keep track of every penny you spend. Buy a scribbler and mark down every purchase even if it’s only 50 cents. A one dollar bottle of water can bring savings of almost 400 dollars in one year.

4. Make sure you have an emergency fund. You never know what might happen. You can get sick tomorrow or your position could be terminated without any warning. In either case you will need some time to get back on your feet. If you have some money in the bank to take care of the bills then you will not have to stress out and you can focus on the important things like getting better or finding a new job.

5. Understand what you need to do. You went to school to learn all the core subjects but for most of us I am willing to bet that money management wasn’t a course that you took. There are many good credit counselling services that will help you for free. There are also some great community services that are willing to help you understand when you are trying to buy a house or reduce your debt.

6. Don’t become a victim. Identity theft has become huge in our society. You have to be extremely careful when you give out financial information or any personal information. Make sure you monitor your credit cards very carefully. If you notice anything funny make sure you report it immediately.

By taking all these points into consideration you stand a healthy chance at ma

eep track of your spending. For at least 30 days you should keep track of every penny you spend. Buy a scribbler and mark down every purchase even if it’s only 50 cents. A one dollar bottle of water can bring savings of almost 400 dollars in one year.

4. Make sure you have an emergency fund. You never know what might happen. You can get sick tomorrow or your position could be terminated without any warning. In either case you will need some time to get back on your feet. If you have some money in the bank to take care of the bills then you will not have to stress out and you can focus on the important things like getting better or finding a new job.

5. Understand what you need to do. You went to school to learn all the core subjects but for most of us I am willing to bet that money management wasn’t a course that you took. There are many good credit counselling services that will help you for free. There are also some great community services that are willing to help you understand when you are trying to buy a house or reduce your debt.

6. Don’t become a victim. Identity theft has become huge in our society. You have to be extremely careful when you give out financial information or any personal information. Make sure you monitor your credit cards very carefully. If you notice anything funny make sure you report it immediately.

By taking all these points into consideration you stand a healthy chance at ma

If you have some money in the bank to take care of the bills then you will not have to stress out and you can focus on the important things like getting better or finding a new job.

5. Understand what you need to do. You went to school to learn all the core subjects but for most of us I am willing to bet that money management wasn’t a course that you took. There are many good credit counselling services that will help you for free. There are also some great community services that are willing to help you understand when you are trying to buy a house or reduce your debt.

6. Don’t become a victim. Identity theft has become huge in our society. You have to be extremely careful when you give out financial information or any personal information. Make sure you monitor your credit cards very carefully. If you notice anything funny make sure you report it immediately.

By taking all these points into consideration you stand a healthy chance at ma

that are willing to help you understand when you are trying to buy a house or reduce your debt.

6. Don’t become a victim. Identity theft has become huge in our society. You have to be extremely careful when you give out financial information or any personal information. Make sure you monitor your credit cards very carefully. If you notice anything funny make sure you report it immediately.

By taking all these points into consideration you stand a healthy chance at maintain your family’s finances for another year. Most of the time it just comes down to common sense and if that is exercised than chances are there will be no sleepless nights.

Dale Mazurek